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Choose an account built to work with your cash flow strategy, and gain access to the digital tools and resources you’ll need at every stage of your business’ growth.

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Select Up To 3 Checking Accounts 0 3 Selected
  • Keep it basic with this account that gives you plenty of features to help monitor and track your business spending, along with convenient online options to pay bills anytime, anywhere. Our Basic Business Checking Account is ideal for growing businesses with low monthly balances.

  • The ideal account for businesses looking to earn interest on your checking balance and enjoy unlimited check writing, convenient online banking and much more.

  • Our most popular checking account that includes exclusive discounts on products and services.

Disclosures

Please read our Small Business Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.

Minimum opening deposit of $25 is required. Accounts closed within 180 days charged $25. Other charges may apply.

1

Transactions processed through Treasury Services’ will be charged in accordance with the agreed upon fee schedule.

2

The monthly Maintenance Service Charges for the KeyBank Basic Business Checking, KeyBank Business Interest Checking, and Key Business Reward Checking Accounts can be avoided if any of the following balance requirements are met during the monthly statement period as follows:

  1. The Average Ledger Balance in your Key Basic Business Checking account was $1000.00 or more 
  2. The Daily Ledger Balance in your KeyBank Business Interest Checking was $5000.00 or more,
  3. The Average Ledger Balance in your Business Reward Checking Account was $7500.00 or more;

Or:

The Combined cycle-to-date Average Ledger Balance in your all your accounts listed below during the monthly statement period were as follows:

The Combined cycle-to-date Average Ledger Balance in your Key Basic Business Checking account was $10,000.00 or more

The Combined cycle-to-date Average Ledger Balance in your KeyBank Business Interest Checking was $15,000.00 or more

The Combined cycle-to-date Average Ledger Balance in your Business Reward Checking Account was $20,000.00 or more;

Accounts included to determine the combined cycle-to-date Average Ledger Balance include 1)any combination of business checking (excluding certain business accounts opened for the benefit of others), business savings and business certificates of deposit accounts within two business days prior to your primary business checking account statement cycle date; and/or 2) the outstanding balance of all commercial loans and lines of credit including your Business Cash Reserve Credit Account(s) (excluding balances past due 60 days or more) as of no more than five business days prior to your primary business checking Account statement cycle date.

Additionally, if you are the sole owner* of your business, the list of account balances that may be combined to avoid the monthly Maintenance Service Charge on your primary business checking account includes all of the above business accounts and certain of your personal accounts as outlined below. You may avoid the monthly Maintenance Service Charge on your primary business checking account if the above mentioned combined cycle-to-date balance requirements are met for the respective business checking account.

Accounts included to determine the combined cycle-to-date Average Ledger Balance for sole proprietors include: 1) the combined cycle-to-date Average Ledger Balance in any combination of personal and business checking, personal and business savings and personal and business certificates of deposit accounts within two business days prior to your Key Business Reward Checking Account statement cycle date; and/or 2) the outstanding balances of your standard consumer loan/line** of credit balances (excluding balances past due 60 days or more) as of no more than five business days prior to your Key Business Reward Checking Account statement cycle date.

* As used herein, "sole owner" means a natural person doing business as a sole proprietor and excludes separate legal entities such as corporations, partnerships, limited liability companies and not for profit enterprises.

(**Standard consumer loan and line products include Auto Loans, RV Loans, Marine Loans, Home Equity Loans, Home Equity Lines of Credit, Home Improvement Loans, Key Equity Options, Preferred (Unsecured) Credit Lines, Cash Reserve Credit, Personal Loans, Mobile Home Loans and Airplane Loans with KeyBank NA; and Credit Cards. Certain non-standard loans and lines of credit may not be included.)

3

In certain geographic regions, the deposited currency handling amount at no charge is up to $50,000, refer to the rates & fees table for your geographic location.

4

Normal account service charges still apply.

5

For KeyBusiness Rewards Checking Account customers, there is no charge for Domestic incoming wires, and up to three free Domestic outgoing phone or branch initiated wires per statement cycle. The charge for each Domestic outgoing phone or branch wire in excess of three per statement cycle is $30.00.

Merchant Services and all credit, loan, and leasing products are subject to credit approval. KeyBank is Member FDIC.

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